Sun Life Financial
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Dollar Cost Averaging program
Dollar Cost Averaging is a systematic strategy that moves a fixed amount at regular intervals (monthly or quarterly) into selected Sub-Accounts, enabling your clients to buy more units when prices are low and fewer when they are high. The first transfer occurs on the fifth calendar day of the month (or previous business day if the fifth is a non-business day) following the month of investment.
Investment in a fixed DCA program is held in a fixed account and credited with a Guaranteed Interest Rate while the program is in effect. The Guaranteed Interest Rate continues to be paid on the declining balance in the fixed account until all assets have been moved into the specified allocation. This program is available in 6 or 12-month durations.
The use of a systematic investment program does not guarantee a profit or protect against loss in declining markets. The value of Sub-Accounts will fluctuate with the market conditions, and when redeemed, may be worth more or less than their original value.
See Offering Document for complete details.
| Details | Fixed DCA Investment is held in a fixed account and credited with a Guaranteed Interest Rate while program is in effect. |
| Duration | 6 or 12 months |
| Source | Fixed interest rate |
| Available at | Time of initial Investment and additions |
| Minimum DCA Transfer Amount | Not applicable |
| Transfer Amount | Equal amounts based on Investment and frequency |
| Frequency of Transfer | Monthly (quarterly available with 12 months only) |
| Available Investment Selection | Variable sub-accounts or Asset Allocation Model |
| Earnings | Credited with current fixed DCA rate |
| Portfolio Rebalancing | Available |
| Asset Allocation Models | Available |
| Examples | Investment Amount: $120,000 USD Month Transfer Amount 1 $10,000.00 2 $10,000.00 3 $10,000.00 4 $10,000.00 5 $10,000.00 6 $10,000.00 7 $10,000.00 8 $10,000.00 9 $10,000.00 10 $10,000.00 11 $10,000.00 12 $10,033.63 The last payment includes DCA interest. With Fixed DCA, clients cannot start/stop or change the transfer amount without cancelling the program. |
| Please note: | The first DCA transfer occurs on the fifth calendar day of the month (or previous business day if the fifth is a non-business day) following the month of investment into a DCA program. |